{"id":1007407,"date":"2023-02-15T15:42:24","date_gmt":"2023-02-15T20:42:24","guid":{"rendered":""},"modified":"2026-08-10T16:52:49","modified_gmt":"2026-08-10T20:52:49","slug":"credit-club-loans-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/payday-loans\/credit-club-loans-review","title":{"rendered":"Credit Club review: Online payday loans"},"content":{"rendered":"<h3>What is Credit Club?<\/h3><p>Credit Club is a licensed payday lender in ON, BC and NS. It has an office in Ottawa, and it offers online payday loans.<\/p><p>You can apply for a loan with Credit Club 24 hours a day, seven days a week. If you apply on a holiday or weekend, it has an automated system in place to process applications.<\/p><p>If you\u2019re approved, funds can be sent to your account by email money transfer in as little as 30 minutes.<\/p><h3>Is Credit Club legit?<\/h3><p>Yes. Established in 2012, Credit Club is licensed to provide payday loans in Ontario, British Columbia and Nova Scotia:<\/p><ul><li>Its Ontario lender licence number is 4726568.<\/li><li>Its British Columbia lender licence number is 64068.<\/li><li>Its Nova Scotia permit number is 222985929.<\/li><\/ul><p>You can view Credit Club\u2019s licence certificates in all three provinces on its website.<\/p><h3>Features of Credit Club payday loans<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Loan amount<\/td><td>Up to $1,500 ($100 for new customers)<\/td><\/tr><tr><td>Loan term<\/td><td>Up to 62 days<\/td><\/tr><tr><td>Where it\u2019s available<\/td><td>ON, BC and NS<\/td><\/tr><tr><td>Interest rate<\/td><td><ul><li>Ontario: $14 for every $100 borrowed<\/li><li>BC: $14 for every $100 borrowed<\/li><li>Nova Scotia: $14 for every $100 borrowed<\/li><\/ul><\/td><\/tr><tr><td>Fees<\/td><td>If you default on your loan, you may be charged NSF fees and late fees<\/td><\/tr><tr><td>Basic eligibility requirements<\/td><td><ul><li>Must be at least 18 years old<\/li><li>Must have been employed for at least three months with the same employer<\/li><\/ul><\/td><\/tr><\/tbody><\/table><h3>What we like about Credit Club loans<\/h3><ul class=\"list-1\"><li><strong>Apply 24\/7.<\/strong> You can apply for a Credit Club loan at any time, even outside of normal business hours. <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/e-transfer-payday-loans\">Learn more about e-Transfer payday loans 24\/7.<\/a><\/li><li><strong>Get money in minutes.<\/strong> Credit Club says it funds loans in as little as 30 minutes, which is handy if you need urgent access to cash.<\/li><li><strong>Automated loan approvals.<\/strong> If you apply on a public holiday or weekend, your loan application may be processed by Credit Club\u2019s automated approval system, which can provide a response within an hour.<\/li><li><strong>Mobile app available.<\/strong> The Credit Club smartphone app is available from Google Play and Apple\u2019s App Store.<\/li><li><strong>No credit checks.<\/strong> Credit Club doesn\u2019t conduct any credit checks when processing your application. Instead, it assesses your income and ability to pay back what you borrow.<\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-12\"><li><strong>$100 loan limit for new customers.<\/strong> While loans of up to $1,500 are available, the maximum amount new customers can borrow is $100.<\/li><li><strong>High cost of borrowing.<\/strong> Payday loans are extremely expensive with annual percentage rates (APRs) in the triple digits.<\/li><li><strong>Short loan terms.<\/strong> Credit Club says its loans are usually due to be repaid on your next payday or 14 days after the loan amount is deposited into your account. Short repayment terms can make it easy to get trapped in a cycle of debt, so consider your financial situation carefully before you apply.<\/li><li><strong>Not staffed on weekends and holidays.<\/strong> If you apply on a holiday or weekend and your application requires manual processing \u2013 for example, if you need to provide additional information, you\u2019ll need to wait for your application to be processed on the next business day.<\/li><\/ul><div class=\"box\">\r\n  <h5 class=\"box-title\" id=\"financial-hardship\">\u26a0\ufe0f  Warning: Be cautious with payday loans<\/h5>\n<span style=\"font-size: 11pt\">High-cost payday loans are unsustainable for long-term use, with up to $14 charged per $100 borrowed. If you're experiencing financial hardship, call <a href=\"https:\/\/nomoredebts.org\">Credit Counselling Society<\/a> for free financial counselling (Mon\u2013Fri, 8am\u20135pm at 1-888-527-8999). Also consider <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-alternatives\" target=\"_blank\" rel=\"noopener\">payday loan alternatives<\/a>.<\/span>\r\n<\/div><h3 id=\"alternatives\">Alternative: Cash advances<\/h3>\nCash advances can be much cheaper, with APRs as low as 0% and flexible repayment terms. 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gradientunits=\"userSpaceOnUse\"><stop offset=\".18\" stop-color=\"#ffd23b\"><\/stop><stop offset=\".24\" stop-color=\"#ffd835\"><\/stop><stop offset=\".29\" stop-color=\"#feda3d\"><\/stop><stop offset=\".36\" stop-color=\"#fee053\"><\/stop><stop offset=\".45\" stop-color=\"#feea77\"><\/stop><stop offset=\".55\" stop-color=\"#fdf7a9\"><\/stop><stop offset=\".6\" stop-color=\"#fdffc4\"><\/stop><stop offset=\".62\" stop-color=\"#fdf8ac\"><\/stop><stop offset=\".65\" stop-color=\"#fdee88\"><\/stop><stop offset=\".68\" stop-color=\"#fee669\"><\/stop><stop offset=\".71\" stop-color=\"#fee052\"><\/stop><stop offset=\".75\" stop-color=\"#fedb41\"><\/stop><stop offset=\".79\" stop-color=\"#fed838\"><\/stop><stop offset=\".84\" stop-color=\"#ffd835\"><\/stop><stop offset=\".9\" stop-color=\"#ffd23b\"><\/stop><\/lineargradient><clippath id=\"tpa-top-picks-0000000000\"><rect width=\"40\" height=\"25.225\" y=\"5.567\" fill=\"#fff\" rx=\"1.616\" transform=\"rotate(-8 0 5.567)\"><\/rect><\/clippath><\/defs><\/symbol><\/defs><\/svg>\n        <div class=\"topPicks__list\">\n      <div class=\"u-grid u-grid--alignStretch\">\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch rewards--element-container\" data-niche=\"CAFPL-CAA\" data-product-id=\"f256ae15-efed-4744-b404-5007adc7d719\" data-provider-id=\"e32c50f7-c28d-4e2e-b914-e27d6a80ac43\" data-product-name=\"KOHO Cover\" data-provider-name=\"KOHO\" data-rewards-campaign-name=\"koho|cover|sep-2026~cafpl\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Instant Transfers<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review\" class=\"topPicks__productName\">KOHO Cover<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6711273374aa5.png\" class=\"topPicks__image\" alt=\"KOHO logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                                                <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/finder-x-koho-cover-promotion\" class=\"topPicks__lozenge topPicks__lozenge--reward\"><svg width=\"44\" height=\"31\" viewbox=\"0 0 44 31\" fill=\"none\" class=\"topPicks__rewardIcon\" aria-hidden=\"true\" focusable=\"false\"><use href=\"#tpReward-top-picks-0000000000\"><\/use><text x=\"3\" y=\"28\" fill=\"#fff\" font-family=\"'Modern Era', Arial, Helvetica, sans-serif\" font-weight=\"900\" font-style=\"italic\" font-size=\"10\" letter-spacing=\"0\" transform=\"rotate(-8 0 5.567)\">$75<\/text><\/svg><span>$75 Reward<\/span><span class=\"topPicks__rewardShimmer\" aria-hidden=\"true\"><\/span><\/a>\n                                                      <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta topPicks__cta--reward rewards--cta\" href=\"#\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/koho-cover-ca-overdraft-protection-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%22f256ae15-efed-4744-b404-5007adc7d719%22%2C%22product_name%22%3A%22KOHO%2BCover%22%2C%22provider_id%22%3A%22e32c50f7-c28d-4e2e-b914-e27d6a80ac43%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2224890%22%2C%22post_id%22%3A%221007407%22%2C%22post_path%22%3A%22payday-loans%252Fcredit-club-loans-review%22%2C%22post_country%22%3A%22ca%22%7D\" data-card-position=\"1\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\"><a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-koho-promotion-terms-and-conditions\" target=\"_blank\" rel=\"noopener\">T&amp;Cs apply<\/a><\/p>\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>0%<span class=\"table-popover\" data-content=\"No interest is charged to access a cash advance, however a fee is charged monthly (from as little as $2.00\/month). Interest rates displayed are Annual Percentage Rates (APRs) and are provided by our lending partners or obtained on the brand's website. The rates are not guaranteed and should be used for general information purposes only. Interest rates will depend on your location, the lender\u2019s assessment of your credit profile and other circumstances. All loan applications are subject to the lender\u2019s credit criteria, approval and terms and conditions.\" title=\"\" data-original-title=\"\"><\/span> + monthly fee from $2<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Borrow $20 \u2013 $500<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Flexible terms<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No credit check<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">High Maximum Limit<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/bree-review\" class=\"topPicks__productName\">Bree Early Pay<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png\" class=\"topPicks__image\" alt=\"Bree logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                  <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/bree-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2209a8b8bb-ef71-4a58-a987-6c0b694b0e55%22%2C%22product_name%22%3A%22Bree%2BEarly%2BPay%22%2C%22provider_id%22%3A%224e4ab891-7bbb-4486-ab5c-34b55900e6c3%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2223342%22%2C%22post_id%22%3A%221007407%22%2C%22post_path%22%3A%22payday-loans%252Fcredit-club-loans-review%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"2\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>0%<span class=\"table-popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional transfer fee of   to access instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Borrow $20 \u2013 $750<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Repay within 90 days<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No credit check<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Builds Credit<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/nyble-review\" class=\"topPicks__productName\">Nyble Credit Line<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png\" class=\"topPicks__image\" alt=\"Nyble logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                  <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/nyble-pay-advance-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2267d91ad3-fadc-4803-bce1-ea50a0b9761f%22%2C%22product_name%22%3A%22Nyble%2BCredit%2BLine%22%2C%22provider_id%22%3A%22ebeeeb79-83ef-4800-894b-85bc38778e7c%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2223215%22%2C%22post_id%22%3A%221007407%22%2C%22post_path%22%3A%22payday-loans%252Fcredit-club-loans-review%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"3\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>0%<span class=\"table-popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional $11.99\/month fee for membership to get premium services such as instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Borrow $30 \u2013 $250<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Repay within 31 days, extendable<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No credit check<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n<h3>Summary of Credit Club reviews<\/h3><p>Customer reviews of Credit Club are generally positive. Many reviewers praise the lender for its easy application process and fast turnaround time.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>BBB accredited<\/td><td>Yes<\/td><\/tr><tr><td>BBB rating<\/td><td>A+<\/td><\/tr><tr><td>BBB customer reviews<\/td><td>N\/A<\/td><\/tr><tr><td>Trustpilot score<\/td><td>4.7\/5 stars based on 3,500+ Trustpilot reviews<\/td><\/tr><tr><td>Customer reviews verified as of<\/td><td>August 10, 2026<\/td><\/tr><\/tbody><\/table><h3>How much can I borrow with a Credit Club loan?<\/h3><p>The maximum loan amount is $1,500, but this amount is only available to Credit Club members. If you\u2019re a new customer, you can only borrow up to $100.<\/p><h3>What are the Credit Club loan requirements?<\/h3><p>You\u2019ll need to satisfy the following criteria to qualify for Credit Club loans:<\/p><ul><li>Have an active chequing account in your name.<\/li><li>Be at least 18 years of age.<\/li><li>Be currently employed for at least three months with the same employer.<\/li><li>Be a resident of ON, BC and NS.<\/li><li>Have a valid email address and working phone number.<\/li><\/ul><h4>Required documents<\/h4><p>Credit Club does not require any documents. However, it will use the information on your application to verify your identity, bank account details and income.<\/p><h3>Can I get a Credit Club loan with bad credit?<\/h3><p>Yes. Credit Club does not conduct a credit check when assessing your loan application. The lender will instead focus on your employment and income details to determine whether you have a steady source of income and can afford to repay your desired loan amount.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/bad-credit-personal-loans\/best-bad-credit-personal-loans\" style=\"text-decoration:underline; font-size:0.9em;\">Best bad credit loans<\/a>\n<\/div>\n<\/article><h3>How do I apply for a Credit Club loan?<\/h3><p>You can apply for a Credit Club loan by clicking the \u201cApply Online\u201d link on the lender\u2019s website. This will take you to an online application form where you\u2019ll need to provide:<\/p><ul><li>Your requested loan amount.<\/li><li>Your name, address, contact details, date of birth and SIN.<\/li><li>Your employment and payroll information, including your employer\u2019s name and contact details as well as how often and much you get paid.<\/li><li>Your bank account details.<\/li><\/ul><p>If you submit your application, within business hours, you can expect to receive a decision within an hour.<\/p><h3>Bottom line<\/h3><p>If you\u2019re thinking of taking out a payday loan, Credit Club is well worth considering. However, keep in mind that a payday loan should only ever be a last resort \u2013 consider a range of <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-alternatives\">payday loan alternatives<\/a> first.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">How do I repay my Credit Club loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Your bank account will be automatically debited on the date your repayment is due. Credit Club says it will send you an email three days prior to remind you that the due date is approaching.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">What happens if there's not enough money in my account to repay the loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>If your automatic loan repayment fails, Credit Club charges an Unsuccessful Payment fee ranging from $20 to $50. Your bank may also charge you an NSF fee.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Can I pay off my Credit Club loan early?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you can pay your loan off ahead of time without incurring any penalties or additional fees.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_1548258536\" data-toggle=\"collapse\" data-target=\"#sources_1548258536\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_1548258536\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.creditclubloans.com\/\" target=\"_blank\">Credit Club<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>\n<div class=\"contentFeed contentFeed--relatedPosts\">\n            <h3 class=\"contentFeed__title\">You might also be interested in...<\/h3>\n        <div class=\"contentFeed__carousel\" data-post-count=\"6\">\n                                    <div class=\"fin-carousels 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data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/e-TransferpaydayloansCanada_Supplied_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/e-TransferpaydayloansCanada_Supplied_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/e-TransferpaydayloansCanada_Supplied_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/e-TransferpaydayloansCanada_Supplied_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">            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in Canada. Apply online and get your loan within 24 to 48 hours.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/cash-loans\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/08\/Pile-of-Canadian-money-bills_Getty-Images_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/08\/Pile-of-Canadian-money-bills_Getty-Images_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/08\/Pile-of-Canadian-money-bills_Getty-Images_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/08\/Pile-of-Canadian-money-bills_Getty-Images_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/08\/Pile-of-Canadian-money-bills_Getty-Images_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/08\/Pile-of-Canadian-money-bills_Getty-Images_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/08\/Pile-of-Canadian-money-bills_Getty-Images_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                          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https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/Payday-Loans-Saskatchewan-Content-Feed.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/11\/Payday-Loans-Saskatchewan-Content-Feed.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Personal Loans<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/no-credit-check-loans\">No Credit Check Loans in Canada: Installment, Payday Loans &amp; More<\/a>            <\/p>        <\/header>        <p>Compare a variety of no credit check loans in Canada. <\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/easy-loans-canada\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/10\/WomanJumpingOverWater_Canva_450x250.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/10\/WomanJumpingOverWater_Canva_450x250.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/10\/WomanJumpingOverWater_Canva_450x250.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/10\/WomanJumpingOverWater_Canva_450x250.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/10\/WomanJumpingOverWater_Canva_450x250.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/10\/WomanJumpingOverWater_Canva_450x250.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/10\/WomanJumpingOverWater_Canva_450x250.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Personal Loans<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/easy-loans-canada\">Fast, Easy Loans in Canada<\/a>            <\/p>        <\/header>        <p>Here are 6 easy loans to get in Canada, but watch out for high interest rates.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/emergency-loans\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/EmergencyExitWithDollarSign_Finder_450x250.png?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/EmergencyExitWithDollarSign_Finder_450x250.png?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/EmergencyExitWithDollarSign_Finder_450x250.png?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/EmergencyExitWithDollarSign_Finder_450x250.png\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/EmergencyExitWithDollarSign_Finder_450x250.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/EmergencyExitWithDollarSign_Finder_450x250.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/EmergencyExitWithDollarSign_Finder_450x250.png?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Personal Loans<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/emergency-loans\">Emergency Loans in Canada: Funds in 1-24 Hours<\/a>            <\/p>        <\/header>        <p>Compare lenders that provide emergency loans in Canada in as little as one hour.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                \n        <\/div>\n 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absolute;\n      z-index: 81;\n      width: 100%;\n      display: none;\n  }\n  \n  \/* Modal Content *\/\n  .fenceModal-content {\n      display: -webkit-box;\n      display: -webkit-flex;\n      display: -ms-flexbox;\n      display: flex;\n      -webkit-box-orient: vertical;\n      -webkit-box-direction: normal;\n      -webkit-flex-direction: column;\n      -ms-flex-direction: column;\n      flex-direction: column;\n      margin: 1rem;\n      max-height: 100%\n  }\n  \n  .fenceModal-buttonText {\n      font-weight: bold;\n      font-size: 18px;\n  }\n  \n  .blurred {\n    filter: blur(5px) !important;\n    pointer-events: none;\n    background: rgba(0,0,0,0.5);\n  }\n  \n  .geoDisclaimer {\n    display: none;\n    }\n  \n  #default-section {\n    display: block;\n  }\n  \n  #alt-section {\n    display: none;\n  }\n  \n  .standardMasthead__widgetSection {\n    height: auto !important;\n  }\n  <\/style>\n  \n        \n    \n      \n  \n    \n        \n        \n    \n    \n             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